نوع مقاله : پژوهشی

نویسندگان

1 دانشگاه ازاد اسلامی، واحد نیشابور

2 فردوسی مشهد

3 دانشگاه مفید قم

چکیده

طبق اقتصاد نهادی جدید یکی از نهادهای رسمی که می‌تواند عملکرد یک صنعت را متأثر سازد کیفیت مقررات‌حاکم بر آن صنعت است. فرایند اصلاح مقررات‌گذاری بیمه در جهان نشان می‌دهد که نظام نظارت مالی با نهاد مقررات‌گذار مستقل از دولت با نظارت مناسب‌تر بر بازار و در عین حال تضمین کیفیت خدمات بیمه‌ای می‌تواند منافع بیشتری برای جامعه داشته باشد و صنعت بیمه را توسعه دهد. بنابراین مسئله اصلی مقاله، این است که کیفیت تنظیم مقررات در صنعت بیمه بر توسعه این صنعت تأثیر دارد. این مسئله، با یک تحلیل مقایسه‌ای و برآورد مدل اقتصادسنجی با داده‌های تابلویی در کشورهای منتخب بررسی شده است. نمونه مطالعه از دو گروه شامل کشورهای توسعه‌یافته و کشورهای با سطح توسعه متوسط طی دوره 1989 تا 2012 تشکیل شده است. داده‌های کیفیت مقررات‌گذاری بیمه بر اساس اصول اصلی بیمه (ICP) و گزارش‌های کشوری برنامه ارزیابی بخش مالی (FSAP) صندوق بین‌المللی پول و نیز اصلاحات در مقررات‌گذاری کشوری طی دوره زمانی مطالعه و داده‌های توسعه صنعت بیمه بر اساس ضریب نفوذ بیمه تهیه شد. نتایج برآورد مدل نشان می‌دهد که بهبود مقررات‌گذاری بیمه در کشورهای توسعه‌یافته بیش از کشورهای با توسعه متوسط بر توسعه بیمه تأثیر دارد؛ هرچند این تأثیرگذاری در همه کشورهای نمونه اندک بوده و حاکی از آن است که تأثیر این متغیر نهادی، تدریجی است.

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